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I recieved a letter with a plastic card included with information about the H&R Block Emerald Advance. Which, yes on approved credit, based on what your antisapated tax return will be, will loan you up to $1000.

I brought all the information and papers needed to my H&R Block agent. I was told to antisapate a return of $8,470.00. How ever my loan was denied within 2 seconds of my agent pressing the send button.

My agent said (I quote) "I'm sorry your loan wasn't approved. It's sad 80% of the loans aren't. I've only had one approved that I have done. People get their hopes up and well...you should get your w-2's soon."

80%!!!!

Why even bother to waste the paper and plastic cards with loans % like that!!!

Monetary Loss: $1000.

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Anonymous
Los Angeles, California, United States #597949

I don't understand why people get so ticked off.This is a loan from A BANK!!!!

If you walked into your own bank and tried to get a loan with bad credit, would you still feel the same way?????Stop blaming H&R Block for your bad credit. and PS they have checked credit for YEARS! They are just putting more stock into it. My husband was pre approved this year and we have HORRIBLE credit.

All we had to do was go in sign a couple of papers. They didn't even check and see if we were getting any money back. As for 80% of people not getting it where do you live ?????? Cause I know tons of people that got the LOAN this year.

It just completely cracks me up that people blame a BANK for not getting a loan.:grin

Anonymous
to Anonymous Saint Petersburg, Florida, United States #658319

Actually you are wrong.This is not a traditional loan that is subject to credit approval like loans from other banks.

Your tax return can be used to pay this back.

I use it every year for Christmas and I have not once been denied AND my credit is shakey at best.Just sayin'....you are wrong.

Anonymous
to Jimmy #766965

Actually your the one who is wrong. The GOVERNMENT stopped refund anticipation loans a couple years ago! It's called Emerald Advance Line of Credit now.

Anonymous
to Jimmy Stephenville, Texas, United States #926832

Actually not wrong.They even tell you that the bank checks credit.

We get over 8,000 back every year and never qualify for the loan. But we both have *** credit, so I can't be mad.

And yea last year we were told the same...less than 20% qualify, usually because they didn't work the full year, as was my case 2 years ago.That's the insufficient cash flow code people are talking about.

Anonymous
to mccrimm #1073125

H&r block confirmed that anticipation loans are no longer allowed and that it is traditional loan that you have the "option" to pay with your tax return you don't "have" to. So yes you are wrong

Anonymous
to Anonymous Greensboro, North Carolina, United States #764702

what about us that have A1 credit and get denied? HELLO!!!!!!!!!!!

Anonymous
to Anonymous #1247754

If you would read the comments... no it dosent just go by credit!

Anonymous
Lafayette, Louisiana, United States #583043

How much u have to make to get the loan ??????

Anonymous
#582113

I have always been approved for the Emerald Advance.However, if your student loans are delinquent and show up on your credit report that loan may not be approved.

That's the reason mine was not. It makes sense though if the government is going to take the student loan. How does H&R Block know they will get their money back.

Listen sometimes in life there is another door the blessing needs to come through.Just be encouraged and trust The MOST High who is also known as Jehova Jireh.

Anonymous
to Soneta Phoenix, Arizona, United States #597883

You claim your always approved and then you say you were denied!!! Which is it? Looks like your student loans are a waste of money and time!!

Anonymous
#581970

I also have been getting my taxes done there every year since I was 16.(I am now 32) I also have gotten the Emerald Advance every year, but now-- denied.

Even with perfect credit history from them. I agree with most everyone else on here.. I will no longer use HR Block, their overly expensive on preparation fees-- the only perks was the enerald advance and rapid refund...

now they don't do either of those anymore.Looks like I'll only pay 50 bucks this year instead of over 200-- Thanks HR block, you saved me money by me not using your services.

Anonymous
#581210

Same happen to me I have been a customer of there for 14 years I got the loan for 4 years straight last year I was denied they said they are doing credit checks now ...well they lost me as a customer I left them thanks for nothing

:( thinking I was gonna get it I planned for nothing I had to run around borrowing money left in tears

Anonymous
#581209

Same happen to me I have been a customer of there for 14 years I got the loan for 4 years straight last year I was denied they said they are doing credit checks now ...well they lost me as a customer I left them thanks for nothing

:( thinking I was gonna get it I planned for nothing I had to run around borrowing money left in tears

Anonymous
#575171

Its amazing how ive done my taxes for yrs wit h n r block n have goy theemerald advanced every yr for 4 yrs n i waa denied! Seriously wtf is that! Ill do my taxes somewhere else this yr!

Anonymous
#574595

its *** been doing it for a couple of years now always got it today i was denied why?? its coming right off the top of my taxes they take it out right up front this is bull probably wont be using hand r block any more and have been since 1993

Anonymous
#572385

I don't count on the loan, but since I have gotten it every year just for a little extra at christmas....I got denied!!Total *** if you ask me.

My refund is HUGE because I am a full time paying college student.

The point is I can't believe they are denying for a tax anticipation....If I wanted to be credit approved I would go to the bank.REALLY H&R you are loosing so much business you need to wake up!!!

Anonymous
#572381

:( :(

Like a lot of ppl I have been an HR Block Client for years and always got the Emerald Loan with no problem.This year, I go in on Monday, the gentleman that did my application was nice enough, however not experienced enough.

I caught him making mistakes and pointed them out, however there was one mistake I didn't see. My birthday was put in as 2012! I was denied of course because according to that I am a baby..lol. So they said they would reset it, called me at 4pm same day said it was reset but computer hadn't updated yet.

Ok, I am frustrated but as long as it gets fixed by Wed I'm good. Tuesday, still not going through, Wed, still not going through. I go to another office, they try and see that it was corrected and put back through on Tuesday but was denied. Ok I have NEVER been denied the loan,so that was a shock.

However, I am VERY upset because had someone told me this happened Tuesday I could have tried other loan arrangements. Now it is too late for my Thanksgiving! I didn't want to have 2 loan apps going at the same time, now I am screwed. What about us loyal HR Block customers that have gotten this loan every year and paid it back faithfully every year?????

My loan and payment history plus my estimated refund should be enough to show I am worthy enough!!!

HR Block just lost our business for good!!!!The manager of that office acted like their mistake was no big deal, tell that to my children as you are eating a big feast tommorrow :( :(

Anonymous
#571161

I will not be using h&r block for this years taxes.I have been a customer with them for 17 years and have now just been denied the advance.

Was told pretty much my income is not enough to cover my bills every year. But they dont look at if you have someone else living in your household that also earns income.

I feel very singled out right now and will be doing my taxes else where!Sorry I am not rich and married!

Anonymous
#571078

Welcome to capitalist America, if they can't make money off of you then you are useless.Sad but true.

How do you think this nation got rich?

GREED!If the love of money is truly the root of all evil, then maybe America IS Babylon, the Scarlett *** of the west.

Anonymous
#569232

Well this loan has been a blessing to me and my husband for our extra items on our childrens list. I pray all goes well this year 4 us and every1 else.

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